Aave
Average USDC lending rates
Showing the average APRs over historical periods for USDC on Aave V3 Ethereum.
| Rate | 1d | 7d | 30d | 6m | 1y |
|---|---|---|---|---|---|
| Average Supply APR | 3.37% | 3.38% | 4.14% | 4.07% | 4.62% |
| Average Borrow APR | 4.73% | 4.74% | 5.44% | 5.43% | 6.39% |
Daily snapshots
Showing daily snapshots (midnight UTC) for USDC on Aave V3 Ethereum.
|
date
|
supplied
|
supply APR
|
borrowed
|
borrow APR
|
|---|---|---|---|---|
| Dec 05, 2025 | 4.56B | 3.37% | 3.61B | 4.73% |
| Dec 04, 2025 | 4.55B | 3.37% | 3.60B | 4.73% |
| Dec 03, 2025 | 4.56B | 3.41% | 3.63B | 4.76% |
| Dec 02, 2025 | 4.58B | 3.42% | 3.65B | 4.76% |
| Dec 01, 2025 | 4.62B | 3.44% | 3.69B | 4.78% |
| Nov 30, 2025 | 4.58B | 3.57% | 3.73B | 4.87% |
| Nov 29, 2025 | 4.86B | 3.22% | 3.76B | 4.63% |
Monthly snapshots
Showing monthly snapshots with average APRs over the preceding 30 days for USDC on Aave V3 Ethereum.
|
date
|
supplied
|
supply APR 30d
|
borrowed
|
borrow APR 30d
|
|---|---|---|---|---|
| Dec 01, 2025 | 4.62B | 4.21% | 3.69B | 5.52% |
| Nov 01, 2025 | 5.34B | 3.74% | 4.18B | 5.37% |
| Oct 01, 2025 | 5.60B | 4.47% | 4.42B | 5.92% |
| Sep 01, 2025 | 6.14B | 4.31% | 4.87B | 5.63% |
| Aug 01, 2025 | 3.97B | 3.81% | 3.51B | 5.03% |
| Jul 01, 2025 | 2.87B | 4.01% | 2.39B | 5.18% |
| Jun 01, 2025 | 2.49B | 3.59% | 2.11B | 4.91% |
| May 01, 2025 | 2.43B | 2.70% | 1.68B | 4.41% |
| Apr 01, 2025 | 2.74B | 2.98% | 1.95B | 5.29% |
| Mar 01, 2025 | 3.01B | 4.63% | 1.84B | 7.59% |
| Feb 01, 2025 | 2.95B | 8.03% | 2.17B | 10.86% |
Liquidity impact
Using the interest rate model to simulate the market rates in the event of a deposit, borrow, repayment or withdrawal.
Showing the immediate impact of deposit events for USDC on Aave V3 Ethereum.
| Action |
Supply APR
Supply APR after the deposit (change from current)
|
Borrow APR
Borrow APR after the deposit (change from current)
|
utilization
Utilization after the deposit
|
model
Utilization after deposit (circle) and optimal utilization (solid line, 92%), above which rates rise sharply
|
|---|---|---|---|---|
| current | 3.36% | 4.72% | 79.01% | |
| $100.0M deposit | 3.22% (-0.14%) | 4.62% (-0.10%) | 77.32% | |
| $250.0M deposit | 3.02% (-0.34%) | 4.48% (-0.25%) | 74.90% | |
| $500.0M deposit | 2.73% (-0.63%) | 4.26% (-0.47%) | 71.20% | |
| $1.00B deposit | 2.26% (-1.10%) | 3.87% (-0.85%) | 64.79% |
Showing the immediate impact of borrow events for USDC on Aave V3 Ethereum.
| Action |
Supply APR
Supply APR after the borrow (change from current)
|
Borrow APR
Borrow APR after the borrow (change from current)
|
utilization
Utilization after the borrow
|
model
Utilization after borrow (circle) and optimal utilization (solid line, 92%), above which rates rise sharply
|
|---|---|---|---|---|
| current | 3.36% | 4.72% | 79.01% | |
| $50.0M borrow | 3.45% (+0.09%) | 4.79% (+0.07%) | 80.11% | |
| $100.0M borrow | 3.55% (+0.19%) | 4.85% (+0.13%) | 81.21% | |
| $250.0M borrow | 3.84% (+0.48%) | 5.05% (+0.33%) | 84.50% | |
| $500.0M borrow | 4.36% (+1.00%) | 5.38% (+0.66%) | 89.99% |
Showing the immediate impact of repayment events for USDC on Aave V3 Ethereum.
| Action |
Supply APR
Supply APR after the repayment (change from current)
|
Borrow APR
Borrow APR after the repayment (change from current)
|
utilization
Utilization after the repayment
|
model
Utilization after repayment (circle) and optimal utilization (solid line, 92%), above which rates rise sharply
|
|---|---|---|---|---|
| current | 3.36% | 4.72% | 79.01% | |
| $100.0M repayment | 3.17% (-0.18%) | 4.59% (-0.13%) | 76.82% | |
| $250.0M repayment | 2.91% (-0.45%) | 4.40% (-0.33%) | 73.52% | |
| $500.0M repayment | 2.49% (-0.87%) | 4.07% (-0.66%) | 68.03% | |
| $1.00B repayment | 1.75% (-1.61%) | 3.41% (-1.31%) | 57.06% |
Showing the immediate impact of withdrawal events for USDC on Aave V3 Ethereum.
| Action |
Supply APR
Supply APR after the withdrawal (change from current)
|
Borrow APR
Borrow APR after the withdrawal (change from current)
|
utilization
Utilization after the withdrawal
|
model
Utilization after withdrawal (circle) and optimal utilization (solid line, 92%), above which rates rise sharply
|
|---|---|---|---|---|
| current | 3.36% | 4.72% | 79.01% | |
| $50.0M withdrawal | 3.43% (+0.07%) | 4.78% (+0.05%) | 79.89% | |
| $100.0M withdrawal | 3.51% (+0.15%) | 4.83% (+0.11%) | 80.79% | |
| $250.0M withdrawal | 3.76% (+0.40%) | 5.00% (+0.27%) | 83.60% | |
| $500.0M withdrawal | 4.24% (+0.88%) | 5.31% (+0.58%) | 88.76% |